Most Costly Engagement Rings in Hollywood (and How A lot to Save to Purchase Them)

Grace Kelly’s Cartier diamond. Mariah Carey’s 35-carat sparkler. Kim Kardashian’s flawless cushion-cut stone.

These aren’t simply engagement rings—they’re symbols of jaw-dropping wealth. Grace Kelly’s ring alone is valued at almost $39 million.

And recently, superstar rings have been all around the headlines once more. Taylor Swift’s engagement ring sparked huge buzz this 12 months, and Georgina Rodríguez’s big diamond from Cristiano Ronaldo additionally made waves. However right here’s the factor: whereas gorgeous, each rings are literally far inexpensive than the record-breakers on our listing. Taylor’s is estimated at round $550,000, and Georgina’s at about $5 million—spectacular, however nowhere close to Grace Kelly’s historic $39 million Cartier masterpiece.

That’s why we determined to run this enjoyable thought experiment: Should you’re 30 years outdated immediately and wish to construct sufficient wealth by 65 to afford certainly one of these iconic rings—or anything in your dream listing, like a home, a visit around the globe, or perhaps a yacht—how a lot would it is advisable make investments every month?

Sounds loopy—nevertheless it’s really the right technique to perceive how a lot constant investing can construct over time.

Step 1: Why We Assume 7%

We’re assuming a 7% annual return—barely under the inventory market’s long-term common of 10%—to account for inflation and taxes. Monetary planners typically use this quantity when working long-term projections.

That’s what we’ll use right here.

Step 2: The Energy of Compounding

Compounding is what occurs when your cash earns returns, after which these returns themselves begin incomes returns.

Consider it like a snowball rolling down a hill: it begins small, however the longer it rolls, the larger it will get.

By investing month-to-month, you’re giving your cash the utmost probability to compound over a long time.

Step 3: Greenback-Price Averaging (Why Month-to-month Beats “Excellent Timing”)

Should you make investments a hard and fast quantity each month, you naturally purchase extra when costs are low and fewer when costs are excessive. That is known as dollar-cost averaging, and it protects you from the not possible process of making an attempt to “time the market.”

Consistency beats perfection.

The Celeb Ring Worth Tags 💍

Earlier than we dive into the numbers, take into accout: the precise value of those rings is not possible to know. The values under are primarily based on estimates from jewelers and media experiences. Celeb diamonds aren’t traded on the open market—so deal with these because the finest guesses from specialists.

And sure, an image is value a thousand carats—so listed below are the icons themselves:

1. Grace Kelly – $38.8M (10.47-carat Cartier diamond)

2. Mariah Carey – $10M (35-carat emerald-cut diamond)

3. Elizabeth Taylor – $8.8M (33.19-carat Krupp diamond)

4. Kim Kardashian – $8M (20-carat cushion-cut from Kanye West)

5. Beyoncé – $5M (18-carat emerald-cut flawless diamond from Jay-Z)

Honorable Mentions: Jennifer Lopez ($5–7M), Georgina Rodríguez ($5M), Taylor Swift (round $550K).

How A lot You’d Have to Make investments Month-to-month (Beginning at 30)

With 35 years of compounding at 7%:

Step 4: The Actual Lesson

In fact, the purpose right here isn’t to plan your retirement round shopping for Grace Kelly’s Cartier diamond. The true takeaway is knowing what constant investing can do for your future objectives.

Right here’s what this train teaches us:

1. Time is your finest buddy. At 30, you continue to have 35 years to develop your cash. That’s loads of time for compounding to work its magic. Even in the event you really feel “late,” beginning now makes an enormous distinction.
2. Consistency beats perfection. You don’t want to attend for the “good” market second. Investing month-to-month—by market ups and downs—provides up over a long time.
3. Small steps nonetheless depend. Perhaps you possibly can’t put aside 1000’s per thirty days, however even $200–$300 a month might develop into lots of of 1000’s by retirement. That would imply monetary freedom, journey, or serving to your youngsters with faculty.
4. Your objectives don’t should be flashy. For us, the rings are only a metaphor. Change “diamond” with “dream dwelling,” “early retirement,” or “world journey fund.” The identical math applies.
5. The sooner you begin, the simpler it’s. Somebody who begins at 25 might contribute a lot much less every month and nonetheless attain the identical totals as somebody beginning at 35 or 40. However in the event you’re beginning at 30—excellent news—it’s not too late.
6. It’s about freedom, not issues. The true reward isn’t a diamond—it’s the liberty to say sure to the life you need with out monetary stress.

Ultimate Phrase

Celeb engagement rings are enjoyable to gawk at—however they’re additionally a reminder of simply how highly effective constant investing might be. At 30, you may really feel such as you’ve already missed the boat. You haven’t. The reality is:

Begin now. Be constant. Let compounding work.

Who is aware of—by 65, you might not have Grace Kelly’s Cartier masterpiece in your finger, however you’ll have one thing even higher: the monetary freedom to say sure to the life you need.

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We’re paid subscribers to dozens of inventory and possibility newsletters. We actively observe each suggestion from all of those providers, calculate efficiency, and share our outcomes of the highest performing inventory newsletters whose subscriptions charges are below $500. The primary metric to search for is “Return vs SP500” which is their return above that of the S&P500. So, primarily based on August 16, 2025 costs:

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Prime Rating Inventory Newsletters primarily based on their 2024, 2023, 2022 inventory picks’ efficiency as in comparison with S&P500. S&P500’s return is predicated on common return of S&P500 from date every inventory choose is launched. NOTE: To get these outcomes you could purchase equal greenback quantities of every choose on the date the inventory choose is launched. Investor Enterprise Each day Prime 50 primarily based on efficiency of FFTY ETF. Efficiency as of August 16, 2025.